Discover It Chrome Gas & Restaurant Credit Card Review

If you love to go out to eat or embark on endless road trips, this card is for you.

Written by : Updated On: December 9
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The basics

Reward Rate:

Groceries

Gas

2%
Groceries

Dining

2%
Groceries

All other purchases

1%

Get 2% cash back at gas stations and restaurants on up to $1000 in purchases each quarter

1% back on all other purchases

 

Key Features:

Annual Fee

No annual fee

Intro APR

0% APR on balance transfers and purchases for the first 15 months

Regular APR

16.99%-27.99% APR based on creditworthiness

Signup Bonus

signup-bonus

Cashback match – dollar-for-dollar match of cash back earned through your first year.

Redemption ways

signup-bonus

Redeem for any amount, any time through gift cards, Amazon.com or with PayPal.

Our Verdict

The Discover Gas & Restaurant Credit Card offers great rewards on your everyday purchases. The 2% cash back is a decent rate, but the spending cap of $1000 per quarter is quite low. However, it is a great option for those that are working on rebuilding their credit or those new to the credit card game. You only need a credit score of 630 or better for good odds of being approved, and with 0% APR on balance transfers for 15 months, you can work on paying down debt and building up your score.

You can travel outside of the U.S. and still reap the benefits at restaurants with no foreign transaction fees—unlike some other credit cards. The card is a great choice to use on your travels and at the pump, especially as gas prices continue to increase.

Best Suited for:

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Foodie

If there is a new restaurant opening, you are there. You are all about the latest food fusion trend no one has heard of and putting it on the map. You love finding the best new restaurant but also like to go to your old standbys and earning cash back for all. And when you aren’t finding the best new restaurant, you are experimenting with recipes at home, so you also need a good card for reaping the rewards of grocery shopping.

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Always-on-the-road

Travel is your middle name. When you aren’t taking advantage of transit for your daily commute in the form of cabs, rideshares and trains, you are looking for a weekend escape. And if there is an opportunity to go somewhere, you take it. You are into earning miles, getting hotel upgrades, eating out and making sure your car is always fueled.

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Social Butterfly

You are a person of the people and love to hang out with your friends whether it is a beautiful meal out, attending a sporting event or rocking out at a live concert. If something fun is happening, you want to be there and get rewarded for it.

ProsCons
No annual feeHigh normal APR
Good for people who want to earn high cash back for everyday purchasesAccount fees
First late fee waivedLow rewards rate
No foreign transaction fee

Hidden perks

The intro APR offer is where this card shines, as it is perfect for those wanting to consolidate and pay off debt without accruing interest. You also get to earn cash back that can be used on new purchases, offsetting some high costs.

Beyond the basics

Balance Transfer Intro APR

0% APR for 15 months and and 3% Intro Balance Transfer Fee until September 10, 2023.

Foreign Transaction Fees

None

Loan APR

None

Late Payment fee

First late fee is waived—then a fee up to $41

Penalty APR

None

Credit Score Required

630+

What we like about this card

The Discover it Chrome Gas and Restaurant Credit Card combines attractive cashback rewards, a lack of annual fees, and additional perks to create a compelling offering for individuals seeking a credit card that aligns with their spending habits.

Here are some of the key aspects that make this card noteworthy:

1. Generous Cashback Rewards: One of the standout features of the Discover it Chrome card is its cashback rewards program. Cardholders can enjoy cash back on everyday expenses, with a particular focus on gas and restaurant purchases. This makes it an excellent choice for individuals who frequently dine out or commute, as they can earn rewards on essential spending categories.

2. No Annual Fee: The Discover it Chrome card sets itself apart by not charging an annual fee. This is a significant advantage for cardholders looking to maximize their rewards without having to worry about recurring costs.

3. Introductory APR Offers: For individuals looking to make significant purchases or transfer existing balances, the Discover it Chrome card provides an introductory APR period. This feature allows cardholders to enjoy a 0% APR on purchases and balance transfers for 15 months, providing financial flexibility and potential savings on interest charges.

4. FICO® Credit Score Monitoring: Discover offers complimentary access to FICO® credit score monitoring, allowing cardholders to track their credit health over time. This valuable tool enables users to stay informed about their credit standing and take proactive steps to improve their financial well-being.

5. Security and Customer Service: Discover is known for its commitment to customer service and security. Cardholders benefit from features such as $0 Fraud Liability, which ensures that they are not held responsible for unauthorized transactions. Additionally, Discover provides excellent customer support, making it easy for users to resolve any issues or inquiries promptly.

Whether you’re a frequent diner, commuter, or someone looking for a versatile and cost-effective credit card, the Discover it Chrome card has features that are likely to appeal to a wide range of consumers.

 

Drawbacks and considerations

While the Discover it Chrome Gas and Restaurant Credit Card comes with a range of benefits, it’s essential for potential cardholders to be aware of some drawbacks and considerations before deciding. Here are key factors to keep in mind:

1. Rotating Bonus Categories: Unlike its sister card (Discover it) there are no rotating bonus categories with this card that allow cardholders to maximize earnings in different areas of spending.

2. Acceptance Outside the U.S.: Discover cards are not as widely accepted globally as some other major credit card networks. If you frequently travel outside the U.S., you may encounter situations where the Discover it Chrome card is not accepted. It’s advisable to have an alternative payment method when traveling internationally.

3. Potential for High APR: While the card may offer an introductory 0% APR on purchases and balance transfers, it’s crucial to be mindful of the regular APR that applies after the introductory period. Cardholders who carry a balance from month to month could face relatively high interest rates, impacting the overall cost of using the card.

4. Limited Travel Benefits: The Discover it Chrome card is primarily designed for everyday spending, particularly in the categories of gas and restaurants. However, if you are looking for a credit card with robust travel benefits such as travel insurance, airport lounge access, or other perks, you may need to explore alternative credit card options.

5. Credit Score Requirement: While Discover is known for offering credit cards to a broad range of consumers, the Discover it Chrome card may require a reasonably good credit score for approval. Individuals with lower credit scores might want to consider other Discover cards that cater to different credit profiles.

Other Offers

You are never held responsible for unauthorized purchases made on your account.

If you cannot find your card, easily freeze it to prevent new purchases, cash advances, or transfers. If you cannot find it, you get free overnight shipping to replace the card.

Receive an alert if your SSN is found on the dark web.

Track and redeem rewards, view your FICO score, manage your account, and message a representative right from your phone.

How to decide if this card is right for you

Choosing the right credit card requires a thoughtful consideration of your individual financial habits, lifestyle, and priorities. Here are key factors to help you determine whether the Discover it Chrome Gas and Restaurant Credit Card aligns with your needs:

1. Spending Habits: Assess your typical spending patterns, especially in the areas of gas and restaurant purchases. The Discover it Chrome card is tailored to reward users who frequently spend in these categories. If these expenses make up a significant portion of your budget, this card can be a lucrative choice.

2. Interest in Rotating Categories: Consider your interest in rotating bonus categories. If you enjoy adapting your spending to maximize rewards in different categories throughout the year, the Discover it Chrome card may not be a great fit.

3. Travel Habits: Evaluate your travel habits and needs. If you frequently travel internationally, you might want to be mindful of the card’s limited acceptance outside the U.S. Additionally, if you’re looking for a credit card with extensive travel benefits, such as travel insurance or airport lounge access, you may need to explore travel-focused credit cards.

4. Credit Score: Check your credit score to ensure it aligns with the card’s approval requirements. While Discover is known for catering to a range of credit profiles, it’s still advisable to have a credit score within the recommended range for the Discover it Chrome card to increase your chances of approval.

5. Interest in Cash Back Rewards: Determine if you prefer cash back rewards over other types of credit card rewards, such as points or miles. The Discover it Chrome card excels in providing straightforward cash back, making it an excellent choice for those who appreciate the simplicity and versatility of cash rewards.

6. Interest in Introductory APR Offers: If you plan to make significant purchases or transfer existing balances, the card’s introductory 0% APR on purchases and balance transfers can be a valuable feature. Consider whether this aligns with your short-term financial goals and if you can take advantage of the introductory period.

7. Tolerance for Limited Travel Benefits: Acknowledge the limited travel benefits associated with the Discover it Chrome card. If you prioritize travel perks, such as travel insurance or exclusive travel-related discounts, you might want to explore credit cards specifically designed for frequent travelers.

 

Pair this card with:

USAA Rate Advantage Visa Platinum® Credit Card

citi-Premier

This card would go great with a card that offers some travel protections like the USAA Rate Advantage Visa, which offers auto rental coverage, travel accident insurance, trip cancellation and interruption coverage, and baggage delay reimbursement. You could use this card at gas stations and restaurants both at home and on travels, and have the USAA card for added protection while you are on the road.

Apply now: USAA Rate Advantage Visa Platinum® Credit Card

If you spend $1000 at gas stations and in restaurants each quarter, you get $20 back – up to $80 per year. With the dollar-for-dollar match, that doubles to $160.

Apply now Explore more credit cards

FAQs

Discover it® Chrome: Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.1 Plus, earn unlimited 1% cash back on all other purchases.

Discover it® Cash Back: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.

Yes, get an unlimited dollar-for-dollar cashback match at the end of your first year.

Discover offers a pre-approval process for their credit cards, including the Discover it® Chrome. To check if you’re pre-approved, you can visit the Discover website and look for the pre-approval section. Keep in mind that pre-approval does not guarantee final approval, as the credit card issuer will still need to conduct a more detailed review of your credit history and financial situation.

The credit limit for the Discover it Chrome credit card can vary widely and is determined based on several factors, including your credit history, income, and other financial factors. When you apply for the card, Discover will review your credit information and determine an appropriate credit limit based on their evaluation. If you’re interested in finding out the specific credit limit for the Discover it Chrome card, you can contact Discover’s customer service.